TELMIO
ActiveSummary
TELMIO has been active since 2022 and the Belgian State Gazette contains no insolvency signals. The CBE does carry 1 administrative register entry (see administrative flags). The 2025 annual accounts show equity of €94,860 and a net result of €10,895. Equity is shrinking by ~111% per year and would, assuming unchanged policy, indicatively turn negative around fiscal year 2026. Its solvency ranks better than 74% of 17213 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 1.2% (low).
Checked score
Score 2025
Axes · tick = 2024
Profitability80▲+80
Solvency100▲+3
Growth58▲+26
Track record86
Bankruptcy probability, 12 months
1.2%
Low
0%0.5%1.5%4%10%≥ 25%
Credit up to €7,000 at 30 days acceptable
Liquidity ample (current ratio 4.92 against 3.53 in 2024; short-term debt: 19.9% and cash: 39.8% of total assets), and 19.9% of the assets are financed with debt.
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Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
80.1%
Return on assets
9.2%
Age of the figures
9 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 3 filingsDeviation from the deadline
2025
31 d late
2024
29 d late
2023
30 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 3 accounts on average 10 days after the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
raises risk · Administrative warnings in the KBO publications
1 publication by the FPS Economy about this company, such as a strike-off for address, accounts or UBO, or its withdrawal.
KBO publicationsPublications
Address struck
Checked, nothing found (1)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 29 August (3 of the last 3 filed years within 58 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
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Financials · fiscal year 2025, micro schema
Equity
€94,860▲ 13.0%
2024 · €83,965
Total assets
€118,453▲ 2.2%
2024 · €115,931
Net result
€10,895
2024 · -€221,544
Working capital
€92,554▲ 14.7%
2024 · €80,727
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line202320242025
Operating result-€94,147--€221,491▼ 135%€10,990
Net result-€94,491below the sector's middle half--€221,544below the sector's middle half▼ 134%€10,895within the sector's middle half
Equity€305,509above the sector's middle half-€83,965within the sector's middle half▼ 72.5%€94,860within the sector's middle half▲ 13.0%
Total assets€349,754above the sector's middle half-€115,931within the sector's middle half▼ 66.9%€118,453within the sector's middle half▲ 2.2%
Debt€44,245-€31,966▼ 27.8%€23,592▼ 26.2%
Working capital€299,721above the sector's middle half-€80,727within the sector's middle half▼ 73.1%€92,554within the sector's middle half▲ 14.7%
Solvency87.3%above the sector's middle half-72.4%within the sector's middle half▼ 14.9pp80.1%within the sector's middle half▲ 7.7pp
Current ratio7.77above the sector's middle half-3.53within the sector's middle half▼ 4.254.92within the sector's middle half▲ 1.40
Return on assets (ROA)-27.0%below the sector's middle half--191.1%below the sector's middle half▼ 164.1pp9.2%within the sector's middle half▲ 200.3pp
Staff (FTE)1-0.7▼ 30.0%
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result returns to profit in 2025: €10,990 after a loss of €221,491 in 2024, the highest result in the available series.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €118,453
Fixed assets
€2,306 ▼ 28.8%
Current assets
€116,147 ▲ 3.1%
Equity and liabilities €118,453
Equity
€94,860 ▲ 13.0%
Debt
€23,592 ▼ 26.2%
Debt's share of the balance-sheet total falls from 27.6% to 19.9%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€11,921▲
2024 · -€220,559
Cash flow
€11,827▲
2024 · -€220,612
Debt to equity
0.25▼
2024 · 0.38
ROE
11.5%▲
2024 · -263.9%
Interest coverage
126.11▲
2024 · -570.92
Debt ≤ 1 year
€23,592▼
2024 · €31,966
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 39,276 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 96% are still going.
- Micro
- 2 to 5 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
2.2%
stopped otherwise
96%
still going
A further 0.5% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a bankruptcy probability of 1.2% over twelve months; the group does not contradict it.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 39,276 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Non-recurring operating income76A | €34,750 | - | - | - |
| Remuneration, social security and pensions62 | €24,133 | €54,449 | - | - |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €804 | €932 | €932 | = |
| Other operating charges640/8 | €517 | €2,623 | €720 | ▼ 72.6% |
| Gross operating margin9900 | -€68,693 | -€163,487 | €12,641 | ▲ 108% |
| Operating profit (loss)9901 | -€94,147 | -€221,491 | €10,990 | ▲ 105% |
| Financial income75/76B | - | €333 | - | - |
| Recurring financial income75 | - | €333 | - | - |
| Financial charges65/66B | €344 | €386 | €95 | ▼ 75.5% |
| Recurring financial charges65 | €344 | €386 | €95 | ▼ 75.5% |
| Profit (loss) for the period before taxes9903 | -€94,491 | -€221,544 | €10,895 | ▲ 105% |
| Profit (loss) for the period9904 | -€94,491 | -€221,544 | €10,895 | ▲ 105% |
| Profit (loss) for the period to be appropriated9905 | -€94,491 | -€221,544 | €10,895 | ▲ 105% |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Assets | ||||
| Total assets20/58 | €349,754 | €115,931 | €118,453 | ▲ 2.2% |
| Fixed assets21/28 | €5,788 | €3,238 | €2,306 | ▼ 28.8% |
| Tangible fixed assets22/27 | €4,888 | €2,338 | €1,406 | ▼ 39.9% |
| Furniture and vehicles24 | €4,888 | €2,338 | €1,406 | ▼ 39.9% |
| Financial fixed assets28 | €900 | €900 | €900 | = |
| Current assets29/58 | €343,967 | €112,693 | €116,147 | ▲ 3.1% |
| Amounts receivable within one year40/41 | €10,135 | €37,914 | €68,948 | ▲ 81.9% |
| Other amounts receivable41 | €10,135 | €37,914 | €68,948 | ▲ 81.9% |
| Cash at bank and in hand54/58 | €333,025 | €74,605 | €47,199 | ▼ 36.7% |
| Deferred charges and accrued income490/1 | €806 | €175 | - | - |
| Equity and liabilities | ||||
| Total equity and liabilities10/49 | €349,754 | €115,931 | €118,453 | ▲ 2.2% |
| Equity10/15 | €305,509 | €83,965 | €94,860 | ▲ 13.0% |
| Contributions10/11 | €400,000 | €400,000 | €400,000 | = |
| Profit (loss) carried forward14 | -€94,491 | -€316,035 | -€305,140 | ▲ 3.4% |
| Amounts payable17/49 | €44,245 | €31,966 | €23,592 | ▼ 26.2% |
| Amounts payable within one year42/48 | €44,245 | €31,966 | €23,592 | ▼ 26.2% |
| Trade debts44 | €29,771 | €30,114 | €21,015 | ▼ 30.2% |
| Suppliers440/4 | €29,771 | €30,114 | €21,015 | ▼ 30.2% |
| Taxes, remuneration and social security45 | €6,556 | - | €2,578 | - |
| Taxes450/3 | - | - | €2,578 | - |
| Remuneration and social security454/9 | €6,556 | - | - | - |
| Other amounts payable47/48 | €7,918 | €1,851 | - | - |
| Line | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|
| Profit (loss) for the period9904 | -€94,491 | -€221,544 | €10,895 | ▲ 105% |
| + Depreciation and write-downs630 | €804 | €932 | €932 | = |
| Operating cash flow (approximation) | -€93,687 | -€220,612 | €11,827 | ▲ 105% |
| Investment in fixed assets (approximation) | - | €1,618 | €0 | ▼ 100% |
| Change in cash | - | -€258,420 | -€27,407 | ▲ 89.4% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-09
KBO administration
Address struck
Luchthavenlaan 27 L’adresse du siège Luchthavenlaan 27 1800 Die Sitzadresse Luchthavenlaan 27 1800
1800 Vilvoorde werd doorgehaald met ingang Vilvoorde · event 24-08-2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
31-12
Financial
Back to profitnet €10,895
Net result €10,895 after 2 loss-making years.
29-08
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema · 29 days late
2024
31-12
Financial
Weakest financial yearnet -€221,544
Net result drops to -€221,544, the lowest in the series; recovery starts the following year.
01-07
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
SignalFinancial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 5 acts read
About the unread acts
We know of 5 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
5 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Vilvoorde · 1 establishment unit since 2022
Ground area
1,375 m²
Building footprint
1,372 m²
Volume, LiDAR
14,593 m³
Parcel 23644H0058/00L000, Flanders · tallest building 13.1 m, ±4 floors. Linked by address, not a title deed.
43
companies at this address
See who is registered here
1 establishment unit
RECKON
since 20222.337.762.356
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 23644H0058/00L000 | Flanders | 1,375 m² | 1 · 1,372 m² | 13.1 m · 4 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2023 to 2024 · 5 entries · 61,550 EUR awarded · 61,550 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2024 | 2 | 1,800 EUR | 26,800 EUR |
| 2023 | 3 | 59,750 EUR | 34,750 EUR |
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Of 30,007 companies in sector 62200 we hold annual accounts for 18,400. 15,585 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded20-06-2022
Fiscal year end31-12
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0787426895
Also
9925:BE0787426895
Registered
28-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.